A lot has been said about money.
Some of it is mindless but much of it has some truth to it.

Charles Dickens observed: "Annual
income, twenty pounds; annual expenditure, nineteen pounds; result,
happiness. Annual income, twenty pounds; annual expenditure, twenty-one
pounds; result, misery." Dickens got his advice from his father, a
financial failure, and later used it for one of the characters in his
book David Copperfield. Think about how does this applies to you;
it's just this simple (and this difficult), to increase your happiness.
Spend less than you earn.

Benjamin Franklin said "Beware of
little expenses. A small leak will sink a great ship." The good
news, he further counseled is that "a penny saved is a penny
earned". Because of the taxes which come out of your pay, actually
a penny saved and not spent is better than a penny earned. You
may have to earn almost two pennies to be left, after taxes, with one. A
Georgia governor once said "the only thing tainted about money is,
it 'taint mine or 'taint enough."

Mark Twain, 35 years before the crash of
October 1929, and 100 years before the October 1987 dramatic crash
said," October is one of the singularly most dangerous months to
speculate in stocks. Others are November, December, January, February,
March, April, May, June, July, August and September".

If you want excitement bet $50 on the
outcome of someone arm wrestling. Trading in and out, or "playing
the market" with your money is not smart. Invest in for the
long haul honoring the principles of saving and investing.